Festival Insurance for Small Event Organisers
Guidance to Festival Insurance for Small Event Organizers Hosting a festival or fair is exciting, but comes with multiple financial risks. Whether it’s from unexpected
March 12, 2025
The music never stops with Insure Our Event festival insurance.
Types of festivals are diverse and all-encompassing. From rock and pop, to EDM to country; festivals each have their unique audience and atmosphere. Beer festival, food festivals and car festivals are all beautiful examples of popular events. They also hold their own unique risks which could result in a claim.
Insure Our Event strongly believe no two events are the same and therefore should be treated individually. A one-dimensional checklist will not suffice, all events should have their individual needs and specifications catered to. This demands a quality comprehensive insurance policy and an expert team to oversee the details.
Insure Our Event are experienced at providing comprehensive music festival insurance. We provide a range of cover types, as well as cancellation cover and adverse weather insurance. Our insurance ensures festival organisers are not hurt financially if their festival does not go ahead due to unforeseen circumstances. There are also many elements comprising a music festival which need be covered by a comprehensive insurance policy.
What insurance policies do festivals need?
- Public liability insurance for festivals to cover against slips and trips claims, and third-party damages.
- Mandatory Employers’ liability insurance for festivals, covering employees or volunteers.
- Equipment insurance, covering the cost of fixing or replacing damaged or stolen equipment which has been hired and you are legally responsible for.
- Festival cancellation insurance covers the costs if your festival is cancelled or postponed due to unforeseen circumstances such as adverse weather conditions.
- If the festival is abandoned, cover the costs of hiring entertainment and equipment as well as venue and catering.
These various types of cover involved within a comprehensive policy will ensure you and your finances are protected. Everything from equipment breakage to accident and injury, the cover provided is wide ranging and flexible. Although complex, the general rule is the larger the event, the more elements involved, the more cover will be needed. Only an expert insurance operator such as Insure Our Event will be able to sufficiently insure all eventualities.
Insure Our Event have years of experience covering multiple events and always put the client first. We make the effort to understand your needs and won’t waste time with unnecessary issues. We want what’s best for you and are able to offer you the best possible cover. We are an authorised and regulated business, in line with the FCA and have our own claims team, able to protect you from a claim of any size. Get in touch to receive a competitive quote now.
Top Festival News and Information
- By Sofia Romero-Trigo
Hi, I am Sofia Romero-Trigo and festivals are a big part of my entertainment. Read some of my festival news articles to discover the popularity of festivals, what is trending this year and why you should also book a ticket!
Hi, I am Sofia Romero-Trigo and festivals are a big part of my entertainment. Read some of my festival news articles to discover the popularity of festivals, what is trending this year and why you should also book a ticket!
Updated
What is covered by festival insurance from Insure Our Event?:
- Festivals with upto 10,000 attendees (though this limit can be extended)
- Injury expenses in the event of a claim
- Judicial expenses in the event of a claim
- Cover the equipment for the event
- Cancellation in the case of unforeseen circumstance
- Abandonment due to adverse weather conditions
- Postponement of the event
- Terrorism disruption in the area
- Non-appearance of individuals
What is not covered by festival insurance by Insure Our Event?:
- Fatality
- Cancellation within 14 days of the purchase of the policy
- Financial loss in direct relation with COVID-19
- Failure of suppliers
- Anything covered by third party insurance e.g. musician or band insurance, as this is a separate policy
Effective risk management is crucial to improving safety. It also significantly reduces the chances of your event needing to pay vast amounts of money in legal costs and damages. Insure Our Event has created a “Spot The Risk” test, demonstrating the risks involved in running an event.
Every music festival is different, however public liability insurance is required by law for any public event. Insure Our Event also recommends purchasing Employer’ liability insurance, Event equipment cover, festival cancellation insurance and adverse weather cover.
These separate policies will ensure festival organisers are protected from drastic unforeseen eventualities. Insure Our Event rolls these policies into one transparent pay-package which is flexible and tailored to your festival’s requirements.
If the event is cancelled or postponed and tickets for travel have been purchased prior, this should be included in the compensation cover. However, this is dependent on the stipulations of the cover and would differ between agreements.
For full clarity of the details, please contact Insure Our Event or your insurance provider.
The cost of insurance often depends upon the size of the event, the quality of cover and the amount of policies included in your insurance agreement.
For a quote, fill out our quote form which will include a price calculated, providing you with an estimated range of what the insurance on your music festival could cost.
No. Suppliers will often have their own third-party insurance. The failure of suppliers is not covered as part of Insure Our Event’s music festival insurance policy.
Festival Insurance options to consider…
Public Liability Insurance, Employers’ Liability, Equipment Cover, Event Cancellation Cover, Additional Cover
Check out our Festival related articles
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July 3, 2024
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Insure Our Event is a specialist event insurance broker. We work with insurance companies to get you the best possible cover at the best price. Just let us know a few details about your event and we’ll do the rest.